RBI embargo duration uncertainty
Management could not provide a timeline for lifting the embargo, which continues to restrict credit card issuance and digital onboarding.
KOTAKBANK / Q3-FY25 / risks
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Kotak Mahindra Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
Microfinance stress may not have peaked
Microfinance delinquencies continue to rise; management expects stabilization only over the next two quarters, with potential for further slippages.
Macroeconomic slowdown impact on asset quality
Economic slowdown and volatility could lead to contagion in other portfolios, though no stress is currently visible in secured books.
Kotak Prime margin pressure and two-wheeler delinquencies
Kotak Prime (car finance) faces margin compression and higher delinquencies in two-wheelers, impacting subsidiary profitability.